West Virginia Central in Ohio vs the state
11.8%Denial rate-5.93 pts vs state
11.8%Decision denial rate-10.13 pts vs state
82.4%Origination rate+22.45 pts vs state
—Median rate
1.00Rate spread (pts)+0.61 pts vs state
$64kMedian applicant income
14Loans originated
2Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 9 | 9.1% | — | #595 |
| 2024 | 22 | 16 | 22.7% | — | #510 |
| 2025 | 17 | 14 | 11.8% | — | #551 |
What West Virginia Central lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most West Virginia Central applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 10 | 8 | 1 | 10.0% |
| Meigs County | 2 | 1 | 1 | 50.0% |
| Athens County | 2 | 2 | 0 | 0.0% |
| Stark County | 1 | 1 | 0 | 0.0% |
| Gallia County | 1 | 1 | 0 | 0.0% |
| Perry County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 17 applications in 2025, of which 14 were originated and 2 denied.
11.8% of all applications, or 11.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are West Virginia Central's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology